Net loss attributable to Euronet of $13.0 million or $0.26 diluted
loss per share, compared with net income of $10.9 million or $0.21
diluted earnings per share.

Adjusted cash earnings per share of $0.44, a 4% decrease from $0.46.
Adjusted cash earnings per share would have been $0.47, a 2% increase,
if not for a one-time tax charge of three cents per share related to
the repurchase of the Company's convertible bonds.

Transactions of 604 million, a 10% increase from 550 million.

See the reconciliation of non-GAAP items in the attached financial
schedules.

"I am pleased we delivered record annual adjusted cash earnings per
share," stated Michael J. Brown, Euronet's Chairman and Chief Executive
Officer. "This earnings growth was the result of our continued focus on
new products and markets together with effective execution across most
of our business."

"Our EFT and Money Transfer Segments finished the year with strong 55%
and 67% fourth quarter constant currency operating income growth,
respectively," continued Mr. Brown. "And, while we still face challenges
in some of our epay markets, we are starting to see benefits from the
non-mobile content and value added services we introduced during the
year. We look forward to the second quarter 2013 when we expect epay to
stabilize."

In the fourth quarter 2012, the Company completed its annual goodwill
impairment testing and recorded a non-cash goodwill and acquired
intangible asset impairment charge of $28.7 million related to the
Company's epay Brazil business. While the Company continues to introduce
additional electronic payment products into the Brazilian market, the
financial contribution of these products has not replaced the loss of
earnings resulting from the continued impact of changes in distribution
strategies of certain mobile operators in Brazil.

Segment and Other Results

The EFT Processing Segment reports the following results for the
full year 2012 compared with the same period of 2011:

Revenues of $237.9 million, a 19% increase from $199.3 million (32%
increase on a constant currency basis).

Operating income of $44.4 million, a 34% increase from $33.2 million
(46% increase on a constant currency basis).

Adjusted operating income of $44.4 million, a 35% increase from $32.9
million (47% increase on a constant currency basis).

Adjusted EBITDA of $69.7 million, a 29% increase from $54.0 million
(41% increase on a constant currency basis).

Transactions of 1,156 million, a 23% increase from 943 million.

Operated 17,600 ATMs as of December 31, 2012, a 24% increase from
14,224 ATMs as of December 31, 2011.

The EFT Processing Segment reports the following results for the
fourth quarter 2012 compared with the same period of 2011:

Revenues of $64.8 million, a 19% increase from $54.3 million (22%
increase on a constant currency basis).

Operating income of $13.6 million, a 53% increase from $8.9 million
(55% increase on a constant currency basis).

Adjusted EBITDA of $20.2 million, a 38% increase from $14.6 million
(40% increase on a constant currency basis).

Transactions of 297 million, a 16% increase from 257 million.

Revenue, operating income and Adjusted EBITDA expansion in the fourth
quarter and full year 2012 is largely attributable to a 24% increase in
ATMs under management, growth of value added services and increased
demand for software products.

Transaction growth of 23% for the full year and 16% for the fourth
quarter was driven by ATM expansion in India, Poland and Romania,
together with further development of the European cross-border acquiring
business. Revenue growth outpaced transaction growth due to a shift
towards higher priced transactions. ATM growth was largely attributable
to brown label ATM deployments in India and the cash4you acquisition in
Poland completed late in the fourth quarter 2011. The deployment of
brown label ATMs in India contributed to fourth quarter earnings growth,
but negatively impacted full year results due to the ramp-up of
transactions on these new ATMs.

The epay Segment reports the following results for the full year
2012 compared with the same period for 2011:

Revenues of $714.2 million, a 5% increase from $677.1 million (10%
increase on a constant currency basis).

Operating income of $19.6 million, a 65% decrease from $56.8 million
(76% decrease on a constant currency basis).

Adjusted operating income of $48.3 million, a 15% decrease from $57.0
million (14% decrease on a constant currency basis).

Adjusted EBITDA of $68.1 million, a 10% decrease from $75.5 million
(7% decrease on a constant currency basis).

Transactions of 1,113 million, a 5% increase from 1,064 million.

Point of sale ("POS") terminals of approximately 680,000 as of
December 31, 2012, an 11% increase from approximately 615,000 as of
December 31, 2011.

Retailer locations of approximately 339,000 as of December 31, 2012,
an 16% increase from approximately 293,000 as of December 31, 2011.

The epay Segment reports the following results for the fourth
quarter 2012 compared with the same period of 2011:

Revenues of $199.5 million, a 4% increase from $191.2 million (6%
increase on a constant currency basis).

Operating loss of $13.8 million compared with operating income of
$16.9 million.

Adjusted operating income of $14.9 million, a 12% decrease from $16.9
million (11% decrease on a constant currency basis).

Adjusted EBITDA of $19.4 million, a 12% decrease from $22.1 million
(11% decrease on a constant currency basis).

Transactions of 298 million, a 4% increase from 286 million.

Full year revenue growth versus the prior year was largely due to the
September 2011 acquisition of cadooz. Revenue increases in the fourth
quarter 2012 compared with the prior year were from continued demand for
non-mobile products in Germany and prepaid mobile sales in the U.S.
Adjusted operating income and Adjusted EBITDA declines for both the full
year and fourth quarter were primarily focused in Brazil, Spain and
Australia, partially offset by increases in Germany and the U.S.

Transaction growth of 5% and 4% for the full year and fourth quarter
2012, respectively, was driven by volume increases in the U.S., Germany,
India and France. These volume increases were partially offset by
declines in Spain, Australia and Brazil.

The Money Transfer Segment reports the following results for the
full year 2012 compared with the same period for 2011:

Revenues of $316.1 million, an 11% increase from $285.3 million (15%
increase on a constant currency basis).

Operating income of $24.6 million, a 44% increase from $17.1 million
(50% increase on a constant currency basis).

Adjusted EBITDA of $43.4 million, a 16% increase from $37.5 million
(20% increase on a constant currency basis).

Total transactions of 30.7 million, a 25% increase from 24.5 million.

Network locations of approximately 177,000 as of December 31, 2012, a
21% increase from approximately 146,000 as of December 31, 2011.

The Money Transfer Segment reports the following results for the
fourth quarter 2012 compared with the same period of 2011:

Revenues of $87.2 million, an 18% increase from $74.0 million (19%
increase on a constant currency basis).

Operating income of $7.4 million, a 64% increase from $4.5 million
(67% increase on a constant currency basis).

Adjusted EBITDA of $12.2 million, a 30% increase from $9.4 million
(31% increase on a constant currency basis).

Total transactions of 8.6 million, a 28% increase from 6.7 million.

Revenue, operating income and Adjusted EBITDA expansion was driven by
total transaction growth of 25% and 28% for the full year and fourth
quarter, respectively. The strong growth resulted from Ria's continued
focus on network expansion, which increased 21% over the prior year,
together with additional transactions generated within existing markets.

For the full year, the number of money transfers increased 15%,
including 18% from the U.S. and 10% from markets outside of the U.S. For
the fourth quarter, money transfers increased 20%, including 26% from
the U.S. and 13% from non-U.S. markets. Transfers from the U.S. to
Mexico grew 19% and 28% for the full year and fourth quarter,
respectively, with the fourth quarter representing the strongest
quarterly growth in 2012. Non-money transfers increased 83% and 63% for
the full year and fourth quarter, respectively.

Corporate and Other reports $30.6 million of expense for 2012
compared with $28.0 million for 2011. Fourth quarter 2012 Corporate
expense was $9.1 million compared with $7.3 million for the fourth
quarter 2011. The increase in Corporate expense is primarily
attributable to long and short-term incentive compensation expense
related to improved Company results.

Balance Sheet and Financial Position

Unrestricted cash on hand was $191.2 million as of December 31, 2012,
compared to $191.8 million as of September 30, 2012. Total indebtedness
was $301.3 million as of December 31, 2012, compared to $261.6 million
as of September 30, 2012. Total debt increased as a result of borrowings
to fund the repurchase of shares from DST Systems, Inc. and the
acquisition of ezi-pay in New Zealand, partly offset by repayments of
debt made using cash flows generated from operations.

Guidance

The Company currently expects adjusted cash earnings per share for the
first quarter 2013 to be approximately $0.37, assuming foreign currency
exchange rates remain stable through the end of the quarter.

Non-GAAP Measures

In addition to the results presented in accordance with U.S. GAAP, the
Company presents non-GAAP financial measures, such as constant currency
financial measures, adjusted operating income, adjusted EBITDA and
adjusted cash earnings per share. These measures should be used in
addition to, and not a substitute for, net income, operating income and
earnings per share computed in accordance with U.S. GAAP. We believe
that these non-GAAP measures provide useful information to investors
regarding the Company's performance and overall results of operations.
These non-GAAP measures are also an integral part of the Company's
internal reporting and performance assessment for executives and senior
management. The non-GAAP measures used by the Company may not be
comparable to similarly titled non-GAAP measures used by other
companies. The attached schedules provide a full reconciliation of these
non-GAAP financial measures to their most directly comparable U.S. GAAP
financial measure.

(1) Constant currency measures are computed as if foreign
currency exchange rates did not change from the prior period. This
information is provided to illustrate the impact of changes in foreign
currency exchange rates on the Company's results when compared to the
prior period.

(2) Adjusted operating income is defined as operating income
excluding goodwill and acquired intangible asset impairment charges,
changes in the value of acquisition contingent consideration and
non-recurring items that are considered expenses under U.S. GAAP.

(3) Adjusted EBITDA is defined as net income excluding income
tax expense, depreciation, amortization, share-based compensation
expenses and other non-operating or non-recurring items that are
considered expenses under U.S. GAAP.

(4) Adjusted cash earnings per share is defined as diluted
U.S. GAAP earnings per share excluding the tax-effected impacts of: a)
foreign exchange gains or losses, b) goodwill and acquired intangible
asset impairment charges, c) gains or losses from the early retirement
of debt, d) share-based compensation, e) acquired intangible asset
amortization, f) non-cash interest expense, g) non-cash income tax
expense, and h) other non-operating or non-recurring items. Adjusted
cash earnings per share includes shares potentially issuable in
settlement of convertible bonds or other obligations, if the assumed
issuances are dilutive to adjusted cash earnings per share. Adjusted
cash earnings per share represents a performance measure and is not
intended to represent a liquidity measure.

Conference Call and Slide Presentation

Euronet Worldwide will host an analyst conference call on February 13,
2013, at 9:00 a.m. Eastern Time to discuss these results. To listen to
the call via telephone, dial 877-303-6313 (USA) or +1-631-813-4734
(non-USA). The conference call will also be available via webcast at http://ir.euronetworldwide.com.
Participants should go to the website at least five minutes prior to the
scheduled start time of the event to register. A slideshow will be
included in the webcast.

A webcast replay will be available beginning approximately one hour
after the event at http://ir.euronetworldwide.comand will remain available for one year.

Euronet's global payment network is extensive - including 17,600 ATMs,
approximately 67,000 EFT POS terminals and a growing portfolio of
outsourced debit and credit card services which are under management in
38 countries; card software solutions; a prepaid processing network of
approximately 680,000 POS terminals at approximately 339,000 retailer
locations in 30 countries; and a consumer-to-consumer money transfer
network of approximately 177,000 locations serving 133 countries. With
corporate headquarters in Leawood, Kansas, USA, and 49 worldwide
offices, Euronet serves clients in approximately 150 countries. For more
information, please visit the Company's website at www.euronetworldwide.com.

Statements contained in this news release that concern Euronet's or
its management's intentions, expectations, or predictions of future
performance, are forward-looking statements. Euronet's actual results
may vary materially from those anticipated in such forward-looking
statements as a result of a number of factors, including: conditions in
world financial markets and general economic conditions, including
economic conditions in specific countries or regions; technological
developments affecting the market for the Company's products and
services; the ability of the Company to successfully introduce new
products; foreign currency exchange rate fluctuations; the effects of
any potential future computer security breaches; the Company's ability
to renew existing contracts at profitable rates; changes in fees payable
for transactions performed for cards bearing international logos or over
switching networks such as card transactions on ATMs; changes in the
Company's relationship with, or in fees charged by, the Company's
business partners; competition; the outcome of claims and other loss
contingencies affecting the Company; and changes in laws and regulations
affecting the Company's business, including immigration laws. These
risks and other risks are described in the Company's filings with the
Securities and Exchange Commission, including our Annual Report on Form
10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K.
Copies of these filings may be obtained via the SEC's Edgar website or
by contacting the Company or the SEC.Any forward-looking
statements made in this release speak only as of the date of this
release.Euronet does not intend to update these forward-looking
statements and undertakes no duty to any person to provide any such
update under any circumstances. The Company regularly posts important
information to the investor relations section of its website.

EURONET WORLDWIDE, INC.

Consolidated Statements of Operations

(unaudited - in millions, except share and per share data)

Year Ended

Three Months Ended

December 31,

December 31,

2012

2011

2012

2011

Revenues

$

1,267.6

$

1,161.3

$

351.2

$

319.4

Operating expenses:

Direct operating costs

812.1

740.7

225.1

203.9

Salaries and benefits

184.2

168.6

49.4

44.4

Selling, general and administrative

120.4

112.5

33.9

32.2

Impairment of goodwill and acquired intangible assets

28.7

—

28.7

—

Depreciation and amortization

64.2

60.4

16.0

15.9

Total operating expenses

1,209.6

1,082.2

353.1

296.4

Operating income (loss)

58.0

79.1

(1.9

)

23.0

Other income (expense):

Interest income

4.0

5.7

0.5

1.4

Interest expense

(19.5

)

(21.5

)

(3.0

)

(5.8

)

Income from unconsolidated affiliates

0.9

1.9

0.1

0.4

Other gains, net

4.1

1.0

—

—

Loss on early retirement of debt

—

(1.9

)

—

—

Foreign exchange (loss) gain, net

(0.2

)

(1.6

)

1.1

(2.7

)

Total expense, net

(10.7

)

(16.4

)

(1.3

)

(6.7

)

Income (loss) before income taxes

47.3

62.7

(3.2

)

16.3

Income tax expense

(27.0

)

(24.7

)

(9.6

)

(5.3

)

Net income (loss)

20.3

38.0

(12.8

)

11.0

Net loss (income) attributable to noncontrolling interests

0.2

(1.1

)

(0.2

)

(0.1

)

Net income (loss) attributable to Euronet Worldwide, Inc.

$

20.5

$

36.9

$

(13.0

)

$

10.9

Earnings (loss) per share attributable to Euronet

Worldwide, Inc. stockholders - diluted

Earnings (loss) per share

$

0.40

$

0.71

$

(0.26

)

$

0.21

Diluted weighted average shares outstanding

51,412,510

51,729,513

50,002,236

51,185,879

EURONET WORLDWIDE, INC.

Condensed Consolidated Balance Sheets

(in millions)

As of

December 31,

As of

2012

December 31,

(unaudited)

2011

ASSETS

Current assets:

Cash and cash equivalents

$

191.2

$

170.7

Restricted cash

81.9

73.3

Inventory - PINs and other

101.2

98.8

Trade accounts receivable, net

370.8

349.5

Other current assets, net

68.1

61.7

Total current assets

813.2

754.0

Property and equipment, net

115.5

102.9

Goodwill and acquired intangible assets, net

565.2

588.5

Other assets, net

57.6

60.9

Total assets

$

1,551.5

$

1,506.3

LIABILITIES AND EQUITY

Current liabilities:

Accounts payable and other current liabilities

$

686.7

$

601.6

Short-term debt obligations

10.0

172.9

Total current liabilities

696.7

774.5

Debt obligations, net of current portion

286.7

161.7

Capital lease obligations, net of current portion

4.6

4.2

Deferred income taxes

22.0

26.0

Other long-term liabilities

14.9

13.2

Total liabilities

1,024.9

979.6

Equity

526.6

526.7

Total liabilities and equity

$

1,551.5

$

1,506.3

EURONET WORLDWIDE, INC.

Reconciliation of Net Income (Loss) to Adjusted EBITDA and
Operating Income (Expense) to Adjusted Operating Income (Expense)

(1) Adjusted EBITDA and adjusted operating income (expense) are non-GAAP
measures that should be considered in addition to, and not a substitute
for, net income (loss) and operating income (expense) computed in
accordance with U.S. GAAP.

EURONET WORLDWIDE, INC.

Reconciliation of Net Income (Loss) to Adjusted EBITDA and
Operating Income (Loss) to Adjusted Operating Income (Expense)

(1) Adjusted EBITDA and adjusted operating income (expense) are non-GAAP
measures that should be considered in addition to, and not a substitute
for, net income (loss) and operating income (expense) computed in
accordance with U.S. GAAP.

(1) As required by U.S. GAAP, the interest cost and amortization of the
convertible debt issuance cost are excluded from income for the purpose
of calculating diluted earnings per share for any period when the
convertible debentures, if converted, would be dilutive to earnings per
share. Although the assumed conversion of the convertible debentures was
not dilutive to the Company's GAAP earnings for the periods presented,
it was dilutive to the Company's adjusted cash earnings per share for
the three and twelve month periods ended December 31, 2012 and the three
months ended December 31, 2011. Accordingly, the interest cost and
amortization of the convertible debt issuance cost are excluded from
income and the convertible shares are treated as if all were outstanding
for the period.

(2) Adjusted cash earnings and adjusted cash earnings per share are
non-GAAP measures that should be considered in addition to, and not as a
substitute for, net income (loss) and earnings (loss) per share computed
in accordance with U.S. GAAP.

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